1609 Prospect St, Belmont, CA 94002 Property Records

San Mateo County property record for 1609 Prospect St, Belmont, CA 94002

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,900 sqft · built 1950
Lot Size	0.142 acres (6,203 sqft)
Owner	Individual Name on File
Tax Bill	$7,834 (2025)
Deeds & Mortgages	Sep 2026 Mortgage Dec 2022 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`045-283-160`

Property Details

APN / Parcel Number

Primary APN	`045-283-160`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,900 sqft Living Area
1st Floor Area	1,330 sqft
Basement Area	230 sqft
Finished Basement	230 sqft
Family Room	Family Room
Study	Study

Exterior

Year Built	Built 1950
Effective Year Built	Effective 1950
Lot Area	6,203 sqft (0.142 acres)
Lot Dimensions	110 ft deep x 57 ft wide
Garage Area	360 sqft
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	1609 PROSPECT ST
City	BELMONT
State	CA
Zip	94002-3722
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R10006
Legal Description	LOT 6 BLOCK 16 BAY VIEW HEIGHTS 2 RSM 16/32 33 CITY OF BELMONT
Legal Subdivision	BAY VIEW HEIGHTS
Legal Block	16
Legal Lot Number	6
Jurisdiction	SAN MATEO CA
Township / Civil Division	SAN MATEO
Census Block Group	1
Census Block	1024
Census Tract	609000

Owner

Source: San Mateo County records, as of July 15, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on File
Mailing Address	1609 PROSPECT ST, BELMONT, CA 94002-3722
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 17, 2026	Deed of Trust, Mortgage · Conventional Mortgage A MORTGAGE
Dec 15, 2022	Intrafamily Transfer, Transfer · Conventional Mortgage VISTA POINT MORTGAGE LLC
May 23, 2022	Deed of Trust, Mortgage · Line of Credit FREMONT BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	Dec 8, 2022
Transfer Doc	0000085880
Record Updated	Oct 29, 2026

September 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN MATEO CA
Recording Date	Sep 17, 2026
Property Address	1609 PROSPECT ST, BELMONT, CA 94002-3722
Document Number	0000052903
Instrument Date	Sep 12, 2026
Instrument	202652903
Transaction Type	Mortgage
Record Updated	Oct 20, 2026
Title Company	CHICAGO TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1609 PROSPECT ST, BELMONT, CA 94002-3722

Mortgage

Document Number	0000052903,
Date	Sep 17, 2026
Instrument	202652903

Lender

Name	A MORTGAGE

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	481 Months
Due	Oct 1, 2066

Interest

Rate Type	Fixed Rate
Initial Type	Fixed Rate
Max Rate	-1%

December 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN MATEO CA
Recording Date	Dec 15, 2022
Property Address	1609 PROSPECT ST, BELMONT, CA 94002-3722
Document Number	0000085880
Map Reference	MB 16 PG 32&33
Instrument Date	Dec 8, 2022
Instrument	2022-085880
Transaction Type	Transfer
Record Updated	Jan 9, 2023
Title Company	CHICAGO TITLE COMPANY

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1609 PROSPECT ST, BELMONT, CA 94002-3722

Mortgage

Document Number	0000085881
Date	Dec 15, 2022
Instrument	2022-085881

Lender

Name	VISTA POINT MORTGAGE LLC
Type	Non-Lending Institution

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2053

Interest

Rate Type	Adjustable Rate
Rate	8%
Type Change Date	Jan 1, 2028
Change Frequency	6 Months
Min Rate At Change	4%
Max Rate At Change	13%
Index	Other
Margin	4
Max Rate	13%

May 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN MATEO CA
Property Address	1609 PROSPECT ST, BELMONT, CA 94002-3722
Transaction Type	Mortgage
Record Updated	Jun 13, 2022
Title Company	FIDELITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1609 PROSPECT ST, BELMONT, CA 94002-3722

Mortgage

Document Number	0000042354
Date	May 23, 2022
Instrument	2022-042354

Lender

Name	FREMONT BANK
Type	Bank
Address	LIVERMORE, CA 94551

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	300 Months
Due	May 20, 2047

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

Source: San Mateo County assessment roll, as of July 15, 2026

Property Jurisdictions

Type	Name
State	California
Municipality	Belmont City
County	San Mateo County
Elementary School District	Belmont-Redwood Shores Elementary School District (KG - 08)
Secondary School District	Sequoia Union High School District (09 - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$542,335 (+2%) Land $175,697 Building $366,638
2025	$7,834.00 (+0.75%)	$531,702 (+4.04%) Land $172,252 Building $359,450
2023	$7,776.00 (+4.33%)	$511,059 Land $165,564 Building $345,495	$2,165,850
2022	$7,453.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

Source: FEMA National Flood Hazard Layer, effective September 10, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	3 in force
Nearby Flood Claims	8 (1982–1998)
Claims Outside the SFHA	3 of 8
Most Recent Claim	Feb 1998 · Severe Winter Storms And Flooding
Claims by Event	Severe Winter Storms And Flooding, Feb 1998 · 2 claims Severe Storms & Flooding, Feb 1986 · 2 claims Coastal Storms, Floods, Slides & Tornadoes, Jan 1983 · 2 claims

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 99.1% of the US · lower than 99.2% of California
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	MID-PENINSULA WATER DISTRICT serves 31,059 people · EPA ID CA4110001
Water Source	Purchased surface water from several systems
Last State Inspection	Feb 2025
Lead	Under 1 ppb (2022–2024) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 596 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Sonic Telecom Fiber	10,000 / 10,000
AT&T Fiber · Fixed Wireless in parts of the area	5,000 / 5,000
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Etheric Networks.

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